Three Credit Scores: Beacon Score, FICO Score, Empirica Score - CREDIT SCORE

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CREDIT SCORE: Three credit scores: Beacon Score, FICO Score, Empirica Score


The Beacon Score, FICO Score, Empirica Score are credit scoring systems used by the big 3 credit bureaus. Empirica Score - Trans Union Beacon Score - Equifax Fair Issac or FICO - Experian "Credit" scores can be different because each bureau may have different data from different creditors, but the scores all measure the same and should be close. Scoring is not a measure of a borrower's income, assets, or bank account - it is based solely on the data within the credit file. The Beacon / Fico / Empirica score is based on ALL the credit related data in the credit report - not just negative data. The type of information looked at when compiling a score includes but is not limited to: 1. Payment History Public record and collection items Severity, recentness and frequency of delinquencies noted in trade line section 2. Outstanding debt Number of balances recently reported Average balance across all trades Relationship between total balances and total credit limits on revolving trade lines 3. Credit History Age of oldest trade line 4. Inquiries and new account openings Number of inquiries and new account openings in the last year Amount of time since most recent inquiry 5. Types of credit in use Number of trade lines reported for each type: Bankcard Travel and Entertainment cards Department store cards Personal Finance company references Other

ADDITIONAL CREDIT SCORE RELATED FACTS

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Poor Credit Means Higher Interest RatesPoor Credit Means Higher Interest Rates
Determining Your Credit HistoryDetermining Your Credit History
Improving Your Fico ScoreImproving Your Fico Score
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